Typically, affordability and customer vulnerability have sat in different parts of the business. Credit risk looks after affordability: can this person repay what they’re borrowing? Compliance and customer experience are responsible for customer vulnerability: does something about this person’s circumstances mean they need extra...

FORTO Finance has launched in the UK mortgage and protection market following a pilot that began in April. The new brokerage will advise on residential mortgages, remortgages, buy-to-let lending, specialist property finance and protection. Founded by mortgage and protection adviser Anthony Curtis, with Esmé Rook as...